Your existing home insurance policy may not provide enough coverage for your valuable items.
Your existing home insurance policy will provide coverage for your personal belongings that you keep in your house. However, if your home boasts expensive possessions, such as a diamond necklace or piece of artwork, your homeowners insurance may not be able to protect you as you thought.
Home insurance policies have specific limits for the amount of protection they will provide for personal … [Read more...]

As the summer heats up, lower your outgoing costs on keeping your place cool.
Summer air conditioning bills can take a big bite out of your budget. If your HVAC system isn’t delivering its best performance, those bills can get even higher. When faced with poor energy efficiency, many people assume that they need to upgrade or replace their equipment, and sometimes this is the case. However, older systems may still be viable, and there are ways to keep your home cool without having to upgrade … [Read more...]

Running a business from the comfort of your home? You will need extra insurance.
If you are a business owner working out of your home, you will know that your study is full of digital devices, paperwork, and equipment. Even though working from home is ideal to save on gas, office space, and overhead, it does open you up to a whole new world of risk.
If an accident or incident were to destroy your home, you would have not only lost personal items but your business equipment, too. For this … [Read more...]

Anyone can fix their garden to look like a million bucks, and with these simple gardening tips, so can you.
Gardening is something that many people do around the world because it allows us to create and grow using nature itself. The perfect botanical arrangement of flowers, vegetables, and fruits can make any home look pristine. The best part is you don't have to invest thousands of dollars to improve your garden, being a little thrifty can give your garden the boost it needs. Here are a few … [Read more...]

It pays to know which fire extinguisher is right for your business because it may one day prove to save your business.
Knowing which fire extinguisher is right for your business and how to use it may prove to be a lifesaver, literally. More important, it can also be a necessary tool in saving the lives of your employees and customers. But many adults may not know how to use a fire extinguisher. Here are a few tips on how to choose and use the right fire extinguisher.
The Different Kinds of … [Read more...]

Your roof must be in good shape in order to properly protect your home against the forces of nature and time.
Most homeowners think they only need a new roof once they spot a leak or some other obvious issue. And while that is definitely a sign of a new roof, there are other less obvious factors which could determine whether or not you need a new roof. Here's what you should look out for when inspecting a new roof.
Age of Roof – The typical roof has a lifespan of about 20-25 years. It can … [Read more...]

If you are a landlord, you need to make sure that you understand the clauses and intricacies of your landlord insurance policy.
Standard property insurance policies operate under the assumption that the one who owns the policy lives in the property. And while this may not be an issue for the common homeowner/renter, it can cause an issue for landlords. The reason being that landlords do not live in the properties they rent. To make up for this fact, landlords require landlord insurance in order … [Read more...]